Deleting your Finthy account is scheduled rather than immediate. You get a grace period of 7 days in which you can change your mind, and nothing is erased until it ends.
Before you start
Export anything you want to keep. Once the grace period ends your data is gone, and support cannot bring it back. On a paid plan, Settings > Data Export gives you the full ZIP of everything as JSON. On the free plan that section is not available, so use the Export button on the Transactions page, which works on every plan.
You do not need to cancel your subscription first. Deletion cancels every live subscription you pay for as part of the process, so Stripe stops billing you. Cancelling first is harmless, just unnecessary.
How to delete
- Go to Settings and open the Danger Zone tab.
- Find Delete Account, which describes itself as permanently deleting your account and all associated data.
- Read the four warnings. They are the real terms, not boilerplate.
- Choose Delete My Account.
- Finthy asks “Are you absolutely sure?” and requires your password to confirm. This is deliberate: a password means a stray click cannot schedule a deletion.
- Choose Yes, Delete My Account.
Finthy confirms that your account has been scheduled for deletion, and shows you the Scheduled Deletion Date.
What happens immediately
- Your bank connections are disconnected. This happens at once, not after 7 days, and cancelling the deletion does not bring them back: you would reconnect them yourself. This is the one part of the grace period that is not fully reversible.
- Any third-party app you authorised loses access, because the permissions you granted are revoked straight away.
- Your data is still there, and you can still sign in.
The 7 day grace period
While it runs, Finthy shows a banner wherever you are: your account will be permanently deleted on a given date, in so many days, with Cancel Deletion right there. The same button is in Settings > Danger Zone.
Cancelling is one click and needs no password. Your email address, data, budgets and history are all untouched. Only the bank connections need re-doing.
If you try to cancel after the period has ended, Finthy tells you the grace period has ended and the deletion can no longer be cancelled. There is no undo past that point.
What happens after 7 days
A job runs daily in the early hours UTC and processes accounts whose grace period has passed. For your account that means:
- Bank connections are removed at the provider, so Plaid stops holding a connection to your bank on Finthy’s behalf.
- Every live subscription is cancelled, so billing stops.
- Your financial data is deleted: transactions, accounts, budgets, budget templates, notifications and the rest, in one transaction.
- Finthy emails you to confirm the account was deleted.
Because the job runs once a day, deletion completes on or shortly after your scheduled date rather than to the minute.
Good to know
- A shared space you own is part of your account. If other people depend on data in a space you created, say so before you delete rather than after.
- Deleting your account is not how you stop paying. If you only want to stop being charged, cancel the subscription and keep the account; your data stays and you drop to the free plan’s limits.
- The confirmation asks for your password, not an email link, so you can complete it without access to your inbox. The reverse is also true: nobody can schedule a deletion from your mailbox alone.